As a house owner and shopper advocate, I understand how overwhelming it may be to discover a dependable residence guarantee firm, particularly in terms of defending your roof. Only a few small roof leak repairs can simply price you over a thousand {dollars}, and with out correct protection, you can be left footing the invoice. Dwelling warranties are designed to supply peace of thoughts and monetary safety. Nonetheless, detrimental stereotypes, complicated contracts, some unethical firms, and tales of denied claims have plagued the {industry}.
That will help you navigate this advanced panorama, I’ve finished the exhausting give you the results you want. Utilizing Right now’s House owner’s rigorous overview standards, I evaluated the highest residence guarantee firms providing roof-leak protection. I analyzed every supplier’s plans, pricing, customer support, fame, claims course of, and availability. I even went undercover and shopped in secret to get the complete image.
After in depth analysis, together with studying advantageous print, evaluating costs, and analyzing hundreds of buyer opinions, I’m assured in my suggestions for the very best residence guarantee firms for roofs. These suppliers provide complete roof protection, clear phrases, and a confirmed monitor report of dependable service if you want it most. Within the following sections, I’ll share my findings and provide help to select the very best residence guarantee firm to guard one in every of your house’s most vital property — your roof.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s high residence guarantee firms to deliver you essentially the most correct data.
76
Our workforce of specialists reviewed over 70 residence guarantee suppliers to match plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of residence guarantee firms to present you an correct take a look at {industry} pricing.
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Our score system scores suppliers based mostly on 6 key components: protection choices, affordability, buyer expertise, fame, claims processes, and availability.
Learn our full Dwelling Guarantee Assessment Methodology for extra particulars.
High 5 Dwelling Guarantee Corporations for Roofs
Highlights
- Liberty Dwelling Guard is my best choice for householders in search of roof-leak protection. Apart from its restricted roof-leak safety add-on, Liberty excels with its unmatched flexibility. With over 40 non-compulsory add-ons, you may tailor your guarantee to your house’s distinctive wants. This customization is particularly precious for homes with older roofs or in areas liable to extreme climate. Plus, Liberty’s responsive customer support ensures swift help when points come up.
- American Dwelling Defend (AHS) is one other sturdy contender, notably for its ShieldPlatinum plan, which incorporates roof-leak repairs as a normal characteristic. This complete protection, coupled with AHS’s willingness to cowl preexisting situations like current roof leaks, makes it a sensible alternative for older houses. Furthermore, AHS’s speedy claims processing, typically inside a single day, minimizes the danger of minor leaks escalating into pricey water injury.
- When deciding on a house guarantee supplier for roof protection, fastidiously overview the advantageous print. Search for firms that embody roof-leak safety of their commonplace plans or have it as an reasonably priced add-on. Take note of protection caps, exclusions for improper set up or upkeep, and whether or not preexisting leaks are lined. Suppliers like Choose Dwelling Guarantee bundle roof protection by default, whereas others like Liberty Dwelling Guard and AHS present it as an non-compulsory add-on, supplying you with the pliability to decide on the extent of safety you want.
My Professional Advice
After in depth analysis and evaluation, I like to recommend American Dwelling Defend (AHS) and Liberty Dwelling Guard (LHG) as the very best residence guarantee suppliers for roof protection. AHS has a complete ShieldPlatinum plan, which incorporates roof-leak repairs as a normal characteristic. This stage of safety is uncommon within the {industry} and gives unmatched peace of thoughts for householders involved about potential roof points. AHS’s willingness to cowl preexisting situations, together with roof leaks, additionally makes it a sensible alternative for these with older houses or unknown roof situations.
For householders in search of flexibility and customization, Liberty Dwelling Guard is a high choose. Whereas LHG doesn’t embody roof protection in its fundamental plans, it does have an reasonably priced restricted roof-leak safety add-on. This non-compulsory protection, together with greater than 40 add-ons, permits you to tailor your house guarantee to your particular wants and price range. Liberty Dwelling Guard additionally excels in customer support, with a 24/7 emergency response workforce prepared that will help you when roof points come up. Finally, whether or not you prioritize complete protection or flexibility, American Dwelling Defend and Liberty Dwelling Guard are two of the very best residence guarantee choices to guard your house’s roof.
Most residence guarantee suppliers provide add-on choices for “roof leaks,” “restricted roof-leak restore,” and different comparable variations. Whereas precise protection varies by supplier, this added protection usually covers solely repairs to small leaks in your roof over “residing areas” when leaks stem from regular put on and tear. It doesn’t cowl injury to your roof ensuing from a department or tree falling onto your roof throughout a storm — that’s what your householders insurance coverage is for. For those who discover a leaking roof after a storm, contact your house insurance coverage supplier first. If the corporate considers it regular put on and tear, submit a service request with your house guarantee supplier.
Right now’s House owner Ideas
After in depth analysis and evaluation, I like to recommend American Dwelling Defend (AHS) and Liberty Dwelling Guard (LHG) as the very best residence guarantee suppliers for roof protection.
Dwelling Guarantee Corporations for Roofs I Didn’t Embody
Throughout my analysis on the very best residence guarantee firms for roof protection, I got here throughout Landmark Dwelling Guarantee. Regardless of its 18 years within the {industry}, I didn’t embody Landmark in my high suggestions for just a few causes. The corporate lacks BBB accreditation and has poor scores, probably stemming from unresolved buyer complaints. Right here is one notably alarming grievance I noticed on the BBB:
“I’ve had a Landmark Dwelling Guarantee for 10 years + I requested a restore on December eighth, 2023. BOTH contractors (the one 2 in ******) have each ignored to supply service, made appointments solely to be canceled on the final second. Presently there’s a MAJOR leak and the water to residence has needed to be shut off. I’m afraid of the injury this has brought about along with not having water to the home!”
I additionally didn’t suggest Alternative Dwelling Guarantee due to an ongoing shopper fraud lawsuit filed by Arizona’s legal professional basic. The authorized motion raises questions concerning the firm’s enterprise practices and general reliability. Till the lawsuit is resolved and extra data involves mild, I don’t really feel snug recommending Alternative Dwelling Guarantee to householders in search of roof protection. I’ll monitor the state of affairs and replace my suggestions as needed, at all times prioritizing the very best pursuits of house owners in want of reliable and responsive residence guarantee suppliers.
Lastly, I excluded Cinch Dwelling Companies as a result of it totally excludes roofs from plan protection.
Examine The Highest Rated Dwelling Warranties for Roofs
Quote and value knowledge gathered January 2024. Value knowledge are up to date and monitored repeatedly.
Our Evaluations of the Finest Dwelling Warranties for Roofs
Finest for Customization
Liberty Dwelling Guard
4.6
Our Score
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
Liberty Dwelling Guard impresses with its dedication to buyer satisfaction, as proven by its outstanding 4.7-star scores on each Google and Trustpilot. This achievement surpasses the {industry} common of two to three stars, instilling confidence that Liberty will present dependable assist when householders want it most. What units Liberty aside is its unmatched flexibility in protection choices, providing over 40 add-ons, together with reasonably priced restricted roof-leak protection for $11.99 per thirty days. This customization is especially precious for householders with particular roof necessities or these in search of added roof safety alongside different important methods and home equipment.
Liberty’s common price of $14.99 per thirty days for every add-on can add up quick, making it dearer than opponents like Elite Dwelling Guarantee, which prices as little as $5.99 for sure add-ons. Liberty’s equipment protection restrict of $2,000 additionally falls quick in comparison with American Dwelling Defend’s $4,000 restrict and Elite Dwelling Guarantee’s $6,000 cap. In some circumstances, the decrease restrict may go away you with vital out-of-pocket bills for pricey roof repairs or equipment and system replacements. Lastly, some prospects reported receiving frequent gross sales calls and being topic to a $50 cancellation payment when canceling their contract after 30 days, which is irritating and inconvenient.
Backside Line: 9.3/10
Liberty Dwelling Guard is a brilliant alternative for householders in search of a extremely customizable residence guarantee plan that features non-compulsory roof-leak protection. With greater than 40 add-ons out there, together with restricted roof safety, Liberty lets you tailor your guarantee to your house’s distinctive wants and price range. This flexibility, mixed with Liberty’s aggressive pricing beginning at round $50 per thirty days, makes it a gorgeous possibility for a lot of householders. Nonetheless, it’s vital to notice that Liberty’s roof protection is an non-compulsory add-on and comes with limitations, reminiscent of not protecting preexisting leaks.
Liberty reveals its dedication to buyer satisfaction with equivalent 4.7-star scores on Google and Trustpilot and 4.5-star scores on the BBB. Prospects constantly reward the corporate for its quick responses, straightforward claims course of, and prolonged 60-day workmanship assure, which doubles the {industry} commonplace. Nonetheless, one draw back to Liberty’s protection is its low $2,000 per-item protection restrict. In lots of circumstances, $2,000 received’t totally cowl the price of changing high-end home equipment or methods. For householders with luxurious or pro-series home equipment, a supplier with greater protection caps like Elite Dwelling Guarantee is a greater match. General, Liberty Dwelling Guard is a best choice for these prioritizing flexibility and customer support of their residence guarantee plan.
Plans and Protection: 10/10
Liberty Dwelling Guard earns a ten/10 score from me due to its unmatched flexibility and reasonably priced residence guarantee plans. With three plan choices and greater than 40 non-compulsory add-on protection choices, Liberty permits you to make the very best coverage to your residence’s distinctive wants. One of many standout options is an non-compulsory restricted roof-leak protection, which gives added safety for one in every of your house’s most important options.
Whereas Liberty’s add-ons vary from $8 to $15 per thirty days, and its service name charges of $65 to $125 are greater than the {industry} common, the corporate affords enticing reductions that may assist mitigate these prices. Whereas secretly searching for a brand new plan, I used to be supplied a $225 coupon and two free months for an annual prepayment — a major financial savings.
For householders in search of complete protection, I like to recommend the Whole Dwelling Guard plan, which mixes equipment and system safety for simply $10 extra per thirty days than the bottom plan. With its 60-day workmanship assure and customizable choices, Liberty Dwelling Guard delivers distinctive worth for householders trying to safeguard their houses and budgets.
| Plan | Month-to-month Value | Service Price | Obtainable Reductions |
| Equipment Guard | $49.99 | $65–$125 | 2 months free (on-line), $225 off coupon (on-line) |
| Programs Guard | $54.99 | $65–$125 | 2 months free (on-line), $225 off coupon (on-line) |
| Whole Dwelling Guard | $59.99 | $65–$125 | 2 months free (on-line), $225 off coupon (on-line) |
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence underneath 5,000 sq. toes in Granger, IN. The price knowledge offered was correct on the time of writing.
Obtainable Add-Ons
Together with its restricted roof leak protection for $11.99 per thirty days, Liberty affords a formidable 41 extra add-on choices.
- Carpet cleansing: $19.99/month
- Casita visitor unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics safety: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleansing: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Immediate sizzling water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lighting: $7.99/month
- Restricted roof leak: $11.99/month
- Pest management: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Extra spa: $9.99/month
- Energy washing (exterior flooring): $19.99/month
- Professional-series garments dryer: $4.99/month
- Professional-series dishwasher: $7.99/month
- Professional-series microwave: $4.99/month
- Professional-series vary/oven/cooktop: $12.99/month
- Professional-series fridge: $14.99/month
- Professional-series stand-alone freezer: $14.99/month
- Professional-series washer: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second fridge: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (as much as 65-inch TVs): $14.99/month
- TV mounting (as much as 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Effectively pump: $12.99/month
- Window washing/cleansing: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
All residence guarantee suppliers have exclusions to their plans, together with Liberty. Here’s what this supplier doesn’t cowl:
- Beauty defects
- Cranes or different specialty autos required to put in, take away, or entry your home equipment or residence methods
- Disposal of home equipment, methods, or parts
- Electronics, computerized, “good,” or Web/enabled parts and components
- Filters related to any lined gadgets
- Hearth sprinkler methods
- Flues, vents, chimneys, and exhaust traces
- Glass components
- Lighting
- Malfunction or injury attributable to acts of God
- Noise
- Radon and different leak detection monitoring methods
- Distant receiving and transmitting units
- Photo voltaic methods and purposes
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions usually are not exhaustive, and extra exclusions might apply.
Affordability: 8.9/10
Liberty Dwelling Guard receives a strong 8.9/10 score for its affordably priced base plans, which begin at round $50 per thirty days, in step with the {industry} common. Nonetheless, it’s vital to notice that Liberty’s add-ons, together with the restricted roof-leak protection possibility, are dearer than these supplied by opponents. Most of those add-ons price $15 or extra per thirty days in comparison with the $6 to $13 vary that opponents like Elite Dwelling Guarantee usually provide.
One other issue is Liberty’s non-negotiable service payment, which ranges from $65 to $125, relying on the merchandise you want repaired. This vary is greater than the typical $75 payment that many different residence guarantee suppliers cost. Additionally, after reviewing a pattern contract, I found that Liberty solely covers gadgets as much as their “guide worth” fairly than full substitute price, and its per-item protection caps max out at $3,000. Whereas that is decrease than the bounds set by some opponents, reminiscent of American Dwelling Defend ($4,000) and Elite Dwelling Guarantee ($6,000), Liberty boasts distinctive add-ons that cowl specialised home equipment and methods typically excluded by different warranties.
Buyer Expertise: 7.8/10
Liberty Dwelling Guard earns a 7.8/10 score from me for its buyer expertise, because of its user-friendly on-line quoting system and a number of communication channels, together with cellphone, e-mail, and on-line chat. Though commonplace within the {industry}, this accessibility ensures prospects can obtain immediate assist when points come up, even for advanced issues like roof leaks. Whereas Liberty’s 30- to 60-day ready interval earlier than protection begins (relying on the plan you select) could also be a disadvantage for some, it’s nonetheless in step with {industry} averages. Nonetheless, the corporate’s high quality 60-day service assure for repairs, which is double the {industry} commonplace, gives added peace of thoughts that any work carried out will meet high quality requirements on the primary try.
Firm Status: 9.1/10
Liberty Dwelling Guard boasts a formidable fame within the residence guarantee {industry}, constantly incomes excessive scores and constructive opinions from prospects. With a 4.5-star score on the BBB and 4.7-star scores on Google and Trustpilot, Liberty demonstrates a powerful dedication to buyer satisfaction, setting it other than lots of its opponents. Owners ceaselessly reward Liberty for its high quality repairs, environment friendly claims processes, pleasant contractors, and immediate challenge decision, highlighting the corporate’s dedication to placing prospects first.
It’s value noting that Liberty lately had an inflow of complaints by means of the BBB. As such, the BBB revoked Liberty’s A+ score. Nonetheless, it is a commonplace process whereas the BBB opinions complaints and communicates with Liberty about them. Liberty has beforehand gone by means of this course of just a few occasions up to now three years, constantly having its A+ score restored after the BBB’s evaluations. So, for householders in search of a dependable residence guarantee supplier with a confirmed monitor report of buyer satisfaction, together with these in want of roof protection, Liberty Dwelling Guard remains to be my high suggestion. I give it a 9.1/10 score for fame.
| Score Web site | Score | Variety of Evaluations |
| BBB | NR)*/4.5 of 5 stars | 2,519 |
| Trustpilot | 4.7 of 5 stars | 2,620 |
| 4.7 of 5 stars | 10,440 | |
| Yelp | 1.4 of 5 stars | 49 |
Editor’s Be aware: The scores offered have been correct on the time of writing.
*Be aware (as of 4/26/24): Lately, the Higher Enterprise Bureau shifted LHG’s A+ score to “NR” (Not Rated). We reached out to a consultant from LHG for remark, they usually shared this assertion: “Regardless of the BBB’s alert, our buyer satisfaction ranges stay by far the best relative to our scale. Final month, we had the bottom proportion of buyer cancellation requests in our total historical past. On the BBB’s personal platform, Liberty Dwelling Guard has achieved a star score of 4.5 out of 5 from almost 2,500 opinions. For added context, the roughly 480 resolved complaints on Liberty Dwelling Guard’s BBB profile equate to an especially low fraction of a proportion relative to the scale and scale of our whole buyer base. As we navigate this case, which we consider might be resolved in time, we wish to guarantee you that we stay dedicated to our prospects and their satisfaction; they’re the important thing stakeholders we orient all our efforts round.”
Claims Course of: 10/10
Liberty Dwelling Guard units the bar excessive for dealing with claims, incomes an ideal 10/10 score from me. With a formidable 12-hour common response time and significant emergency restore providers that almost all opponents lack, Liberty acts quick, particularly in case you face a catastrophic leak or a damaged equipment. The corporate’s dedication to swift claims processing ensures that almost all claims are green-lit inside 48 hours, serving to forestall small issues from escalating into pricey nightmares. Liberty’s dedication to offering service throughout difficult occasions makes it a standout alternative for householders in search of dependable safety.
Availability: 10/10
Liberty Dwelling Guard sells plans to householders in 50 states. Whether or not you’re coping with giant quantities of snowfall in Minnesota or plentiful storms all year long in Florida, Liberty’s restricted roof-leak protection will help shield your roof earlier than in depth water injury occurs.
Finest Protection Limits
American Dwelling Defend
4.3
Our Score
Restricted Time:
40% Off Our Most In style Plan
American Dwelling Defend stands out to me for its complete protection choices, together with the uncommon providing of roof-leak safety, which comes with the premium plan or is in any other case out there as an non-compulsory protection. This characteristic is especially precious for householders in areas liable to extreme climate situations that may trigger vital injury to roofs. AHS additionally boasts spectacular protection limits of as much as $6,000 for residence methods and $5,000 for home equipment, surpassing the standard $2,000 to $3,000 limits supplied by most opponents. These greater limits present further peace of thoughts, making certain that even the most costly home equipment and methods have enough protection.
Regardless of American Dwelling Defend’s prolonged expertise within the residence guarantee {industry}, the corporate has acquired a regarding variety of detrimental opinions throughout a number of platforms, reminiscent of Trustpilot, Yelp, and the BBB. Frequent grievances embody transparency points, surprising charge will increase, sluggish response occasions, repairs that fail after the primary try, and a brief 30-day workmanship assure for repairs. Whereas the corporate’s longevity might contribute to the upper quantity of opinions, the constantly low scores increase pink flags concerning the firm’s service high quality and buyer satisfaction.
Backside Line: 8.6/10
With 50 years of {industry} expertise, it’s not stunning that American Dwelling Defend has unparalleled protection limits and specialised choices, reminiscent of non-compulsory roof-leak restore protection. AHS’s broad protection ($5,000 for residence methods and $4,000 for home equipment) surpasses that of most opponents, most of who’ve limits of round $3,000. Owners with high-end home equipment and methods worth the in depth protections. AHS additionally distinguishes itself by protecting undetectable preexisting defects, rust, and corrosion, which are sometimes excluded by different suppliers. So, householders can doubtlessly use a brand new AHS plan to seal up current roof leaks with out a lot expense. The corporate’s reasonably priced roof-leak restore add-on, priced at $10 per thirty days, is a standout characteristic that may present peace of thoughts for householders involved about potential roof points. Moreover, this add-on is included as a normal characteristic in AHS’s top-tier ShieldPlatinum plan.
Whereas I used to be secretly buying on AHS’s web site, I used to be happy to discover a user-friendly quote course of. Nonetheless, regardless of the upper protection limits, the corporate’s lower-tier plans cowl fewer home equipment and methods in comparison with entry-level choices from opponents. For complete safety, together with precious roof-leak restore protection, I like to recommend the ShieldPlatinum plan. Whereas AHS boasts an unlimited contractor community, some reviewers have reported prolonged restore delays, and the 30-day workmanship assure falls wanting rivals like Elite Dwelling Guarantee, which affords a 90-day assure. Regardless of these drawbacks, American Dwelling Defend’s in depth protection limits, distinctive inclusions, and reasonably priced roof-leak safety make it a powerful contender within the residence guarantee market, simply incomes my 8.6/10 score.
Plans and Protection: 9/10
American Dwelling Defend earns a 9/10 score from me for its plans and protection, notably with its top-tier ShieldPlatinum plan, which incorporates roof-leak protection as a normal characteristic. This safety is a major benefit over most opponents who both exclude roof protection or provide it solely as an non-compulsory add-on. The ShieldPlatinum plan additionally gives free HVAC tune-ups and allowances for code violations, permits, and gear modifications, which different residence guarantee firms typically exclude. All AHS plans shield outdated, improperly put in gadgets, and preexisting situations, giving householders on a price range a extra reasonably priced option to get their roof leaks repaired.
| Plan | Month-to-month Value | Service Price* | Obtainable Reductions |
| ShieldSilver | $30–$40 | $100–$125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldGold | $50–$60 | $100–$125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldPlatinum | $80–$90 | $100–$125 | 20% off same-day sign-up low cost (on-line and cellphone) |
*For those who select the decrease service payment of $100, you pay the upper month-to-month premium. For instance, the $39.99 charge for the ShieldSilver plan pairs with the $100 service payment.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence underneath 5,000 sq. toes in Granger, IN. The price knowledge offered was correct on the time of writing.
Obtainable Add-Ons
American Dwelling Defend affords solely non-compulsory coverages. The add-on price for a leak restore is an additional $10 per thirty days. And since AHS covers preexisting situations, householders can use it to economize on sealing up their roof’s small leaks. The roof leak restore possibility comes free within the ShieldPlatinum Plan.
- Electronics safety plan: $14/month
- Visitor unit: $15.99/month
- Pool & built-in-spa gear: $18/month
- Roof leak restore: $10/month
- Septic pump: $5/month
- Effectively pump: $8/month
Exclusions
Like all residence guarantee firms, AHS has exclusions to its plans. They’re:
- Harm on account of pets or pests
- Failure to correctly clear or keep residence methods or home equipment
- Basis or structural injury
- Improper set up, improper wiring, or injury attributable to development exercise
- Producer’s defect
- Misuse or human error
- Malfunction or injury due to pure disasters
- Neglect, rust, corrosion, or sediment
- Elimination of hazardous supplies reminiscent of asbestos, lead, or different poisonous supplies
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions usually are not exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
American Dwelling Defend earns an 8.7/10 score from me for its affordability and better protection caps. The upper limits can save householders cash by stopping out-of-pocket bills due to repairs or replacements that exceed protection caps. Whereas opponents typically cap system protection at round $2,000, AHS’s is $5,000, greater than double that. These monetary caps attraction to householders who’ve high-end methods or luxurious home equipment that will be pricey to restore or substitute with out enough protection. Though American Dwelling Defend’s month-to-month premiums of $40 to $100 and repair charges of $100 to $125 are greater than common, its enhanced protection, together with the non-compulsory roof leak restore (which comes commonplace within the ShieldPlatinum plan), justifies the upper prices when you’ve a system or equipment break down.
Buyer Expertise: 8.4/10
Regardless of American Dwelling Defend’s in depth expertise within the residence guarantee {industry}, I got here throughout quite a few buyer complaints about unreturned calls and messages throughout my analysis. It’s regarding when householders want help with essential points like a roof leak or a damaged HVAC system and customer support is an impediment. Whereas no supplier is ideal, buyer expertise is an space the place AHS can enhance, based mostly on the suggestions I’ve seen. That is why I give it an 8.4/10 score on this class.
On a constructive be aware, American Dwelling Defend has some options that show a dedication to customer support. The corporate assigns every buyer an account supervisor and gives a number of contact strategies, which might facilitate communication with particular person representatives. Additionally, throughout my secret buying expertise, I discovered AHS’s web site to be user-friendly for acquiring quotes and evaluating costs for various plans. The corporate’s 30-day ready interval earlier than protecting claims is shorter than the 60-day-plus ready durations some opponents require, permitting householders to entry their advantages extra rapidly.
Firm Status: 7.7/10
American Dwelling Defend has a blended fame: a low (2.2) score on Trustpilot and a 1.1 score on Yelp on the time of writing. Its BBB score is barely higher (B). Nonetheless, AHS has a 4.5-star (out of 5) score on Google, with virtually 33,000 opinions. A lot of the detrimental opinions deal with sluggish contractor dispatch, ineffective technicians, and protection misunderstandings. Nonetheless, some complaints stem from prospects not fastidiously reviewing coverage particulars and exclusions earlier than signing up.
Regardless of the blended opinions, AHS makes submitting claims straightforward with 24/7 on-line and cellphone assist, which is crucial for pressing points like roof leaks and different emergency points. When you make a declare, you may monitor the standing and restore historical past by means of your on-line dashboard.
AHS responds to 98% of detrimental Trustpilot opinions, demonstrating a dedication to addressing buyer issues and making issues proper. Contemplating this, I give American Dwelling Defend a good 7.7/10 rating for firm fame.
| Score Web site | Score | Variety of Evaluations |
| BBB | B/2.11 of 5 stars | 11,139 |
| Trustpilot | 2.2 | 5,263 |
| 4.5 | 32,947 | |
| Yelp | 1.1 | 1,271 |
Editor’s Be aware: The scores offered have been correct on the time of writing.
Claims Course of: 8.4/10
American Dwelling Defend affords a user-friendly claims course of with 24/7 customer support availability and easy on-line and cellphone declare submission choices. This always-accessible assist is essential in case you’re going through a sudden roof leak or a damaged air conditioner. Plus, you may monitor claims by means of your on-line AHS account. Nonetheless, AHS’s common response time for non-emergency points is 48 hours. That is longer than that of another {industry} leaders, which barely lowers my score. Taking this under consideration, AHS earns my honest 8.4/10 rating.
Availability: 10/10
American Dwelling Defend’s residence guarantee plans can be found in 50 states, incomes it a ten/10. Regardless of the place you reside, you may depend on licensed roofing contractors in AHS’s community to repair your roof leaks.
Finest Worth
Choose Dwelling Guarantee
4.2
Our Score
Restricted Time:
$150 Off (Code HOUSE25)
I really like Choose Dwelling Guarantee’s (SHW) inclusion of restricted roof-leak protection throughout all plan tiers, a characteristic that’s not widespread with residence guarantee suppliers. This safety gives householders with an additional layer of safety if one thing occurs due to a harsh storm.
Additionally, Choose’s 90-day restore assure is healthier than the standard 30- or 60-day ensures supplied by many opponents. These advantages, mixed with reasonably priced month-to-month premiums starting from $44 to $48 (with commonplace reductions), make Choose Dwelling Guarantee a gorgeous alternative for budget-conscious householders in search of complete protection.
Choose Dwelling Guarantee’s restricted choice of add-ons, with solely 9 out there choices, is a disadvantage in comparison with suppliers like Liberty Dwelling Guard, which affords over 40 add-ons. This lack of customization choices received’t attraction to householders with specialised residence methods or home equipment that require particular protection.
Choose’s coverage of excluding protection for unknown preexisting situations places householders susceptible to claims denials in the event that they have been unaware of hidden points earlier than signing up. To keep away from this, I like to recommend totally inspecting your house, particularly your roof, and documenting every thing earlier than you enroll.
Lastly, Choose’s strict $75 plan cancellation payment and never permitting prospects to decide on their most popular restore contractors places the corporate’s greatest curiosity forward of house owners’.
Backside Line: 8.4/10
Choose Dwelling Guarantee earns an 8.4/10 general score for its clear insurance policies, reasonably priced costs, and robust protection, together with restricted roof-leak safety in each plan. Roof protection is one thing most suppliers don’t have or will provide solely as an add-on protection.
Choose’s 90-day workmanship assure surpasses the 30- or 60-day {industry} norms, offering added peace of thoughts and demonstrating the corporate’s dedication to high quality repairs.
Nonetheless, Choose’s protection caps of simply $3,000 for essential gadgets like air-con and HVAC methods received’t pay the complete value for pricey repairs and replacements, leaving householders with giant out-of-pocket prices for the overages. Owners with high-end home equipment or specialty residence methods would possibly discover suppliers like Elite Dwelling Guarantee and Liberty Dwelling Guard extra appropriate, as they provide a wider vary of non-compulsory add-ons and better protection limits.
For normal houses, Choose Dwelling Guarantee’s typical inclusions, budget-friendly month-to-month charges, and decrease service charges make it a powerful alternative for cost-conscious householders in search of dependable safety that features restricted protection for roof leaks.
Plans and Protection: 8.3/10
Choose Dwelling Guarantee earns my honest 8.3/10 score as a result of it affords clear-cut protection plans for home equipment, methods, or a mixture. One characteristic is the inclusion of restricted roof-leak protection throughout all plan tiers, which isn’t typical within the residence guarantee {industry}. Whereas the Bronze Care and Gold Care plans deal with home equipment and methods individually, I like to recommend the Platinum Care plan for most owners as a result of it covers every thing for simply $4 extra per thirty days. Choose’s easy strategy to residence guarantee protection is a breath of contemporary air in comparison with opponents with complicated packages and jargon-heavy terminology.
After I obtained a quote on-line, I used to be pleasantly shocked by the enticing reductions supplied, together with two free months and $150 off the annual value, making Choose’s plans much more reasonably priced. Nonetheless, Choose’s mediocre protection caps ($3,000) might not cowl the complete price of repairing or changing high-end home equipment, methods, or costly roof repairs. Some opponents, like American Dwelling Defend and Elite Dwelling Guarantee, provide two to 3 occasions greater protection caps and could be a better option when you’ve got costly home equipment or customized methods.
Choose additionally gives fewer specialty add-ons in comparison with a few of its rivals, which might be a disadvantage for householders with distinctive protection for residence methods and home equipment.
| Plan | Month-to-month Value* | Service Price | Obtainable Reductions |
| Bronze Care | $44 | $75 | $150 off (web site), two further months free (web site) |
| Gold Care | $44 | $75 | $150 off (web site), two further months free (web site) |
| Platinum Care | $48 | $75 | $150 off (web site), two further months free (web site) |
*Month-to-month price figures offered mirror the discounted charge supplied on the time of writing. Choose Dwelling Guarantee has been operating this promotion for the reason that starting of this 12 months.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence underneath 5,000 sq. toes in Granger, IN. The price knowledge offered was correct on the time of writing.
Obtainable Add-Ons
SHW has the next non-compulsory coverages to complement your plan. Bear in mind, restricted roof-leak protection is already a part of no matter plan you choose.
- Central Vacuum: $3.33/month
- Garden Sprinkler System: $5.83/month
- Pool: $8.33/month
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Effectively Pump: $3.33/month
Exclusions
Like all residence guarantee suppliers, Choose has sure exclusions to its plans. Listed below are all of the exclusions I discovered in a pattern contract:
- Frequent areas in condominiums or multi-family houses
- Harm from pure disasters and rust
- Defects or damages attributable to the inspiration and construction of the house
- Incorrect set up or malfunctions on account of development injury or improper wiring
- Points with methods or home equipment associated to hazardous or poisonous supplies (for instance mildew, asbestos, and gasoline leaks)
- Secondary injury (for instance, your house guarantee might cowl roof injury however received’t cowl water injury attributable to a roof leak)
- Photo voltaic heating methods
Editor’s Be aware: Whereas this text highlights sure exclusions, readers ought to overview their contracts for a full record of exclusions.
Affordability: 9.1/10
Choose Dwelling Guarantee affords extremely aggressive pricing, with month-to-month premiums of round $40 to $45 after reductions, that are $10 to $20 decrease than the {industry} common. Plus, on condition that Choose consists of roof leak protection without spending a dime, which most opponents solely provide as an add-on for $9–$15, its plans are extra precious and reasonably priced.
This affordability extends throughout the supplier’s Bronze, Gold, and Platinum plans. That features a service payment of $75, which is lower than the $100 or extra charged by many different suppliers.
Whereas Choose’s equipment protection restrict of $3,000 per merchandise might not swimsuit each home-owner, it’s loads for many houses with commonplace home equipment and residential methods, making Choose Dwelling Guarantee a best choice for budget-conscious householders. The corporate’s pricing earns it a 9.1/10 score for affordability.
Buyer Expertise: 8.1/10
Choose Dwelling Guarantee’s user-friendly web site and hassle-free on-line quote course of earned it an 8.1/10 score from me for buyer expertise. The corporate’s web site, in plain language, outlines out there plans, price particulars, protection specifics, and add-ons, making it straightforward for householders to grasp what’s and isn’t included in every plan. It additionally explains prices related to non-compulsory coverages, reminiscent of restricted roof-leak safety. In contrast to different suppliers I’ve researched, Choose doesn’t overwhelm you with aggressive gross sales techniques or extreme follow-ups, permitting you to fastidiously think about the safety you want to your residence by yourself time.
Firm Status: 8.0/10
Choose Dwelling Guarantee has a blended fame, with a median B score with the BBB and a 3.8/5 star buyer overview rating throughout a number of websites. That yields an 8/10 score from me.
Optimistic opinions reward Choose’s fast repairs after declare approval, useful customer support, reasonably priced premiums, and straightforward enrollment course of. On the similar time, there are a lot of complaints about low reimbursements, denied protection, sluggish communication, and unskilled restore contractors. Nonetheless, Choose has hundreds of fewer whole opinions in comparison with bigger opponents, like American Dwelling Defend. This may occasionally imply it has fewer dissatisfied prospects general. Nonetheless, the detrimental suggestions is constant throughout all overview websites, suggesting there are areas the place Choose may enhance. Owners ought to think about the corporate’s affordability, core plan strengths, and criticism of reviewers when making a choice.
| Score Web site | Score | Variety of Evaluations |
| BBB | B/1.39 of 5 stars | 2,110 |
| Trustpilot | 3.8 of 5 stars | 4,818 |
| 3.8 of 5 stars | 19,830 |
Editor’s Be aware: The scores offered have been correct on the time of writing.
Claims Course of: 7.6/10
Submitting a declare with Choose Dwelling Guarantee is easy, permitting householders to submit requests both on-line or on the cellphone. For many non-emergency conditions, Choose dispatches restore technicians inside 48 hours, which aligns with the {industry} common however lags behind some opponents who purpose for a 12-hour response time. This response time earns the corporate a 7.6/10 score from me.
Nonetheless, Choose prioritizes emergency points, reminiscent of roof leaks that may trigger in depth inside water injury if left unrepaired for too lengthy. For these kinds of conditions, Choose gives 24/7 help inside a 12-hour window.
Availability: 10/10
SHW plans can be found in all states, incomes an ideal 10/10 score. Regardless of the place you reside, you may depend on Choose’s skilled roofing contractors to repair any leaks.
Finest Buyer Scores
Elite Dwelling Guarantee
4.3
Our Score
Restricted Time:
$150 Off + 1 Month Free
I respect Elite Dwelling Guarantee’s constantly excessive buyer scores of 4.5 to five stars on trusted overview platforms like Google, Yelp, and Trustpilot, which far exceed the {industry} common of two to three stars. EHW’s potential to settle claims promptly and to prospects’ satisfaction, as proven by frequent reward for its high quality service, is especially spectacular. I additionally like Elite’s in depth customization choices, with 27 add-ons out there, together with restricted roof leak restore. These choices permit householders to create personalised plans that stability affordability and monetary safety whereas making certain their roofs are well-protected.
One vital disadvantage of Elite Dwelling Guarantee is that it prices an extra $150 payment for emergency repairs, which may be notably problematic when essential methods like roofs begin leaking and require rapid consideration. I additionally discover it disappointing that Elite excludes protection for roofs with preexisting situations or these over a sure age, which might be a deal-breaker for some householders. Moreover, the lack of the workmanship assure in case you select to make use of your personal trusted roofing contractor as an alternative of 1 from Elite’s community is a notable con, because it limits flexibility and will frustrate those that desire working with native professionals they know are dependable.
Backside Line: 8.6/10
I’m totally impressed by Elite Dwelling Guarantee’s sky-high protection limits of as much as $10,000 for residence methods and $6,000 for home equipment, which blow the competitors out of the water. For householders with high-end family gear inclined to costly repairs, together with roofs, Elite affords unparalleled peace of thoughts. I extremely suggest its Full plan, which bundles equipment and system protection, for the very best bang to your buck. With 26 out there add-ons, you may tailor your Elite plan to completely swimsuit your house’s distinctive wants. Its restricted roof leak restore is offered for $99.99/12 months, which comes out to an reasonably priced $8.33 per thirty days.
Nonetheless, Elite falls quick within the emergency restore division. Regardless of their round the clock customer support, they cost a steep $150 payment for pressing repairs outdoors of normal enterprise hours. Elite additionally excludes commercial-grade gear throughout all plans and will cost further for repairs to sure luxurious manufacturers. However even with these limitations, I nonetheless give Elite Dwelling Guarantee a strong 8.6/10 score for its unmatched protection limits and customization choices. If safeguarding your pricey methods and home equipment is a high precedence, Elite is completely value contemplating.
Plans and Protection: 10/10
Elite Dwelling Guarantee stands out with its beneficiant protection limits that surpass {industry} norms. Whereas most residence guarantee firms cap payouts round $3,000, Elite affords a formidable $6,000 per equipment declare and a whopping $10,000 for residence methods. That is notably advantageous for householders with roofs, as sealing a number of small leaks can simply add up. Elite gives three easy plans: appliance-only, systems-only, and a combo plan known as Elite Full, which is my high choose for complete safety. Throughout my secret buying, I used to be supplied a 30-day free trial and $150 off when calling to start out protection, so I like to recommend reaching out to Elite immediately for the very best deal. With its unmatched protection limits, I confidently give Elite’s safety plans an ideal 10/10 score.
| Plan | Month-to-month Value | Service Price | Obtainable Reductions |
| Elite Equipment | $48.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Programs | $52.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Full | $59.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence underneath 5,000 sq. toes in Granger, IN. The price knowledge offered was correct on the time of writing.
Obtainable Add-Ons
Elite Dwelling Guarantee affords these in depth add-ons to its residence guarantee plans. Its precious restricted roof-leak protection prices solely $8 per thirty days, making it one of many extra reasonably priced add-ons for this protection.
- Attic exhaust fan: $70/12 months
- Central vacuum: $49/12 months
- Effluent pump: $100/12 months
- Ejector pump: $100/12 months
- Freestanding freezer: $60/12 months
- Freestanding ice maker: $60/12 months
- Freestanding spa gear: $120/12 months
- Generator: $100/12 months
- Geothermal heating and cooling System: $300/12 months
- Grinder pump: $100/12 months
- Visitor home: $300/12 months
- HVAC annual upkeep: $300/12 months
- Jetted/sizzling Tub: $100/12 months
- Garden Sprinkler System: $100/12 months
- Elevate pump: $100/12 months
- Restricted roof leak restore: $100/12 months
- Pool & spa gear: $200/12 months
- Pool gear: $150/12 months
- Premium home equipment: $250/12 months
- Premium advantages: $200/12 months
- Premium methods: $300/12 months
- Premium methods plus: $450/12 months
- Septic system: $130/12 months
- Service traces: $350/12 months
- Sump pump: $100/12 months
- Swamp cooler: $150/12 months
- Water filtration system: $100/12 months
- Water softener: $100/12 months
- Effectively pump: $100/12 months
- Wine cooler: $70/12 months
Exclusions
EHW has plan exclusions, identical to all different residence guarantee suppliers.
- A scarcity of upkeep
- Acts of God
- Business-grade home equipment
- Beauty injury
- Pure disaster-related damages
- Items in a rental property
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions usually are not exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
Elite Dwelling Guarantee’s month-to-month premiums, starting from round $45 to $60, are aggressive with {industry} requirements. The corporate affords appliances-only, systems-only, and bundled plans, with a $100 service name payment that aligns with high opponents. Nonetheless, when talking with Elite’s buyer representatives, I discovered the expertise a bit irritating as a result of lack of readability round add-on pricing. One rep I spoke with was not up-front with add-on prices in any respect. One other draw back is that almost all of Elite’s add-ons fall within the $15 to $20 per thirty days vary. This makes its add-ons pricier than another suppliers however nonetheless cheap for expanded safety. Remember that Elite prices $150 for weekend or emergency service and $150 per go to for entry to premium-brand technicians — charges that may rapidly drive up bills. On the plus facet, Elite affords a 30-day trial interval, permitting you to test-drive plans risk-free earlier than totally committing. Factoring within the want for extra transparency round charges, I give Elite Dwelling Guarantee an 8.7 out of 10 on affordability.
Buyer Expertise: 7.6/10
Elite Dwelling Guarantee’s buyer expertise leaves room for enchancment, incomes a good 7.6/10 score from me. EHW’s web site lacks transparency, as you may’t entry pricing particulars or use a quote estimator with out calling them immediately. The prices for non-compulsory add-ons, which might considerably influence your month-to-month price range, are buried deep throughout the web site. When talking with a cellphone consultant concerning the further charges related to plan add-ons, together with these for roof protection, I discovered their responses to be unclear. Nonetheless, regardless of these preliminary hurdles, Elite boasts quite a few constructive buyer opinions on respected websites like Trustpilot, the BBB, and Google, displaying most prospects respect their assist and protection as soon as they signal a contract.
Firm Status: 8.3/10
As a more recent participant within the residence guarantee {industry}, Elite Dwelling Guarantee’s fame is bolstered by its A+ score and accreditation with the Higher Enterprise Bureau, which supplies me confidence within the firm’s credibility and dedication to addressing buyer issues. Whereas the small variety of on-line opinions throughout platforms like Google, Trustpilot, the BBB, and Yelp does negatively influence Elite’s fame rating, leading to a good 8.3/10 score from me, the present buyer opinions are largely constructive. Many householders reward Elite’s reasonably priced plans, high quality assist, and distinctive service. Though just a few detrimental opinions point out sluggish communication and late contractors, these don’t appear to be widespread issues.
| Score Web site | Score | Variety of Evaluations |
| BBB | A+/4.97 of 5 stars | 739 |
| Trustpilot | 4.7 | 59 |
| 4.8 | 146 | |
| Yelp | 4.8 | 4 |
Editor’s Be aware: The scores offered have been correct on the time of writing.
Claims Course of: 6.8/10
I give Elite Dwelling Guarantee’s claims course of a below-average rating of 6.8/10. Though it affords year-round, 24-hour claims submitting on-line or by cellphone, now commonplace apply within the {industry}, the corporate falls quick by missing true emergency after-hours restore providers. It additionally prices an extra $150 payment. This disadvantage may go away cash-strapped householders weak to not fixing pressing points like roof leaks or malfunctioning air-con.
Additionally, Elite’s commonplace declare response time of 24 to 48 hours, whereas in step with opponents, is common.
Availability: 10/10
Elite Dwelling Guarantee affords its plans in 46 states, missing protection in California, Texas, Washington, and Wisconsin. For lined states, you may depend on native roofing contractors in its community to seal up leaks in your roof.
Finest for Extra Advantages
AFC Dwelling Guarantee
4.3
Our Score
Restricted Time:
$200 off + free roof leak protection
I really like that AFC Dwelling Guarantee consists of quite a lot of distinctive perks by default, together with discounted residence safety, medical care, credit score monitoring, and insurance coverage financial savings. These are further advantages that different suppliers merely don’t match. Mixed with AFC’s strong core safety plans, AFC permits prospects to tailor complete protection to their particular wants, reminiscent of including safety for his or her roofs. What impresses me most about AFC is its predominantly constructive buyer suggestions on-line, which is a rarity within the residence guarantee {industry}. This excessive stage of satisfaction, together with the corporate’s wide selection of non-compulsory add-ons, makes AFC a superb alternative for householders in search of customizable and dependable protection.
One vital disadvantage of AFC Dwelling Guarantee is its inconsistent protection caps. Whereas some gadgets are protected as much as $3,000, others have limits starting from simply $150 to $1,000. Owners ought to fastidiously overview the protection maximums for every equipment and system to ensure they’ve enough safety and to keep away from surprising gaps in protection and subsequent out-of-pocket bills.
As with Elite Dwelling Guarantee, AFC additionally lacks emergency restore providers outdoors of regular enterprise hours with out charging further charges. Many opponents, reminiscent of Liberty Dwelling Guard and American Dwelling Defend, provide 24/7 emergency assist, displaying their dedication to round the clock help in essential conditions.
Backside Line: 8.5/10
AFC Dwelling Guarantee earns an 8.5/10 score from me, because of a user-friendly web site, customizable tiered plans with versatile service charges, and distinctive membership perks like reductions on residence safety and insurance coverage that opponents don’t provide. With its excessive buyer satisfaction scores, an A+ grade from the BBB, and the power to tailor protection, AFC is one in every of my high selections for residence guarantee safety.
Nonetheless, AFC has a $3,000 protection cap, decrease than most suppliers. This needs to be a priority for householders with high-end home equipment, methods, or specialised roofing supplies, because it might not be sufficient to cowl full substitute prices.
Of AFC’s insurance policies, I like to recommend the Diamond Plan, which bundles methods, home equipment, roof leaks, and electronics for complete safety. Whereas AFC has some limitations, reminiscent of fluctuating payouts based mostly on obscure residence assessments, its lined gadgets and non-compulsory add-ons swimsuit the wants of most houses.
By offering 48-hour restore ensures and lifelong workmanship warranties, AFC strives for well timed, high quality service when surprising breakdowns disrupt your each day life. Inside protection limits, AFC prospects report seamless claims experiences and educated technicians.
Plans and Protection: 8.1/10
AFC Dwelling Guarantee affords 4 plan choices, offering householders with the pliability to customise their protection to get precisely what they want for his or her houses. The Silver Plan covers 9 main residence home equipment, whereas the Gold Plan protects 15 home equipment plus methods like electrical, plumbing, and HVAC. The Platinum Plan expands protection to 18 home equipment and methods, together with microwaves and in-fridge ice makers. Nonetheless, the standout possibility is the Diamond Plan, which comprehensively covers residence methods, home equipment, electronics, exterior traces, and even distinctive extras like exterior water traces, sewage traces, and private electronics. All plans additionally embody free roof-leak safety, valued at $25 per thirty days, making AFC a powerful alternative for householders involved about potential roof leaks.
Throughout my secret buying time, I found enticing reductions, together with $140 off annual insurance policies and $250 off three-year plans. Mixed with the Diamond Plan’s one-of-a-kind tech system protection, free roof-leak safety, and AFC’s already aggressive pricing, householders can maximize their financial savings whereas securing strong, tailor-made safety. For its industry-leading protection, I give AFC Dwelling Guarantee an 8.1 out of 10.
| Plan | Month-to-month Value | Service Price* | Obtainable Reductions |
| Silver Plan | $37 | $125 | As much as $250 off, free roof leak safety |
| Gold Plan | $52 | $125 | As much as $250 off, free roof leak safety |
| Platinum Plan | $57 | $125 | As much as $250 off, free roof leak safety |
| Diamond Plan | $62 | $125 | As much as $250 off, free roof leak safety |
*You select the service payment if you signal your contract; a decrease service name payment corresponds with a better month-to-month premium.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence underneath 5,000 sq. toes in Granger, IN. The price knowledge offered was correct on the time of writing.
Obtainable Add-Ons
AFC has the next choices so as to add to base insurance policies. For my residence, I respect the non-compulsory protection for built-in microwaves, double ovens, and stand-alone freezers as a result of I’ve these options. The add-ons and their price:
- Constructed-in microwave: $50/month
- Central vacuum: $25/month
- Double oven: $25/month
- Electronics protection (value is determined by your particular electronics)
- Sizzling water dispenser: $25/month
- Ice maker: $25/month
- In-ground pool: $100/month
- In-ground pool and spa: $150/month
- Roof leak (free, value $25/month)
- Septic system: $50/month
- Stand-alone freezer: $25/month
- Sump pump: $35/month
- Effectively pump: $50/month
Exclusions
Like all residence guarantee firms, AFC has some exclusions. Listed below are the issues they received’t cowl:
- Home equipment and methods that aren’t correctly maintained
- Code violations
- Crane leases wanted to maneuver home equipment or methods
- Geothermal heating methods
- Haul-away providers
- Lighting fixtures
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions usually are not exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
AFC Dwelling Guarantee earns a 9.1/10 from me due to its affordability throughout its plan vary, catering to numerous budgets. Even the top-tier Diamond Plan, which incorporates options like electronics, sewer line protection, and roof-leak safety, stays aggressive at lower than $65 month-to-month. I respect that AFC permits householders to select from varied ranges of service charges, both $75, $100, or $125. That offers flexibility to stability greater deductibles towards decrease month-to-month prices.
I additionally like that AFC consists of its $25 per-month roof-leak possibility without spending a dime with all plan ranges. Nonetheless, whereas it markets $3,000 protection limits, the advantageous print reveals decrease caps of $150 to $500 on sure gadgets like microwaves and ovens.
Buyer Expertise: 9.2/10
After gathering quotes and talking with customer support representatives, I scored AFC 9.2/10 on buyer expertise. I respect the corporate’s user-friendly web site that neatly organizes completely different plans, protection tiers, and add-ons, permitting households to simply customise insurance policies that swimsuit their budgets and particular restore issues, together with roof protection.
In contrast to some firms that provide solely a single, obscure pattern contract, AFC gives clear instance agreements that illustrate the protection specifics for every plan, simplifying the buying course of and serving to you make an knowledgeable choice. Moreover, I worth AFC’s non-pushy gross sales techniques and 24/7/365 availability for pressing points.
Firm Status: 8.3/10
AFC Dwelling Guarantee earns an 8.3/10 from me for fame, regardless of having a smaller on-line presence in comparison with main rivals with fewer than 2,500 opinions. It has a long-standing accreditation from the BBB (gained in 2015), and has proven service reliability in its 14 years in operation. AFC showcases its responsiveness by swiftly addressing and resolving greater than 140 complaints by means of the BBB up to now three years.
Its 3.7 rating on Google simply surpasses the dismal 2-star averages of high nationwide opponents. Some detrimental opinions complain about protection loopholes, cancellation charges, sluggish/late contractors, or misunderstandings of the contract. Nonetheless, quite a few constructive opinions spotlight its glorious customer support, immediate technician dispatch, clean claims expertise, and honest reimbursements when repairs are needed.
| Score Web site | Score | Variety of Evaluations |
| BBB | B | 194 |
| Trustpilot | 3.0 | 24 |
| 3.7 | 1,602 | |
| Yelp | 1.9 | 336 |
Editor’s Be aware: The scores offered have been correct on the time of writing.
Claims Course of: 6.8/10
AFC Dwelling Guarantee earns a subpar 6.8/10 score from me due to its claims course of. Most of that is due to a scarcity of 24/7 emergency restore choices throughout nights, weekends, and holidays. That lags the competitors and is dangerous for householders. AFC’s commonplace response time of 24 to 48 hours aligns with the {industry} common however is worse than some rivals, like American Dwelling Defend. The corporate notes in its service contract that responses might exceed 48 hours in sure circumstances. Nonetheless, AFC’s life-of-contract workmanship assure is a notable perk, shielding households from paying further for repeat repairs on the identical system or equipment part. Additionally, the timeline is much better than the {industry}’s typical 30-, 60- or 90-day protection window that suppliers like Liberty Dwelling Guard, Elite Dwelling Guarantee, and Choose Dwelling Guarantee provide.
Availability: 10/10
AFC affords its plans in 48 states, excluding California and Hawaii. Within the states it covers, you may count on high quality contractors for roof repairs and different equipment and residential system breakdowns.
Calculate the Value of Roofs Dwelling Guarantee
Use our calculator to estimate the yearly price of a house guarantee plan. Simply kind in your month-to-month premium (together with any add-on charges for roof leak protection), estimated variety of service visits, and repair name payment. Then the calculator will present an estimated annual price for a brand new residence guarantee plan.
| Equipment | Common Restore Value | Common Substitute Value |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Gasoline Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
Regularly Requested Questions
Do You Want a Dwelling Guarantee for Roofs?
Whereas a house guarantee for roofs just isn’t a necessity, it could present precious safety towards surprising restore or substitute prices. That is very true in areas liable to snowfall, tropical storms, hail, or sturdy winds that add put on and tear to roofs.
How A lot Does a Dwelling Guarantee Value for Roofs?
The typical price of a house guarantee for roofs is round $50 to $100 per 12 months, relying on the extent of protection and the supplier. To be taught extra concerning the components that affect residence guarantee prices, take a look at this informative article on the common price of a house guarantee.
How To Save Cash When Searching for Dwelling Warranties for Roofs?
Probably the greatest methods to economize when searching for residence warranties for roofs is to match quotes from a number of suppliers and search for any out there reductions or promotions. Take a look at suppliers that embody roof leak protection by default or as a “free” add-on. Moreover, fastidiously overview the protection particulars and think about choosing a better deductible, which might decrease your month-to-month or annual premium.
